Salt Bank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Salt Bank suits Romanian businesses that pay suppliers abroad, with a 0% currency conversion fee and a RON 0 monthly fee. The Mastercard debit account is built for companies holding and spending in several currencies, and help is limited to a help centre.
Key facts
- Best for
- Romanian businesses that hold several currencies and want a fee free conversion
- Monthly fee
- RON 0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Free ATM withdrawals
- RON 900 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- SALT BANK S.A. (Source, checked September 26, 2026)
- Headquarters
- Romania (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency
- Audience
- Business
- Official website
- salt.bank
Pros and cons
Pros
- A currency conversion fee of 0% sits at 1 of 259 brands compared, below the 2.5% upper quartile
- A monthly fee of RON 0 keeps running costs down for a company that holds balances in several currencies
- The multi-currency feature suits teams that collect payments in several currencies and pay suppliers in others
- Free ATM withdrawals of RON 900 for a company that needs cash for day to day running costs
Cons
- Support runs on help centre only, with no phone or live chat channel listed for urgent card and payment questions
- The free ATM withdrawal allowance of RON 900 ranks 26 of 115 brands compared on this measure
Who it suits
- Companies registered in Romania that need a Mastercard debit card and a multi-currency account for daily spending
- Freelancers and small teams that bill and pay suppliers in several currencies at the same time
- Businesses paying foreign suppliers who want card conversion costs kept down when they work with partners abroad
Who should look elsewhere
- Anyone outside Romania, since the licence from Banca Nationala a Romaniei and the account terms cover Romanian operations only
- Consumers who want a personal current account, since the account is aimed at business users rather than individuals
- US customers after a secured credit card, since Chime Card (Secured Visa Credit Card) charges a $0 monthly fee in its own market
How Salt Bank compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 9.0
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 9.6
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.0
9.2 vs 8.0
Where Salt Bank is available
- Available
- Romania
- Licence in Romania
- Banca Nationala a Romaniei, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does a Salt Bank business account cost?+
The monthly fee is RON 0, so the account carries no regular account charge. Currency conversion costs 0%, which keeps card spending abroad below the 1% median across the site. A company that holds and spends in its own currency sees little cost.
Is Salt Bank licensed and is my money protected?+
Salt Bank is supervised in Romania by Banca Nationala a Romaniei, and Salt Bank S.A. is the legal entity named on the account terms. Deposit protection terms sit in the bank's own documents rather than with the card network, so read them before you move company money across.
What currency conversion fee does Salt Bank charge?+
The currency conversion fee is 0% on the Mastercard debit card. That places Salt Bank at 1 of 259 brands compared, below the 2.5% upper quartile here. A business paying foreign suppliers pays no spread at the point of conversion.
How many free ATM withdrawals can I make?+
Free ATM withdrawals come to RON 900. That allowance ranks 26 of 115 brands compared, so a company that takes out cash regularly sits mid-table among the cards here. The €0 median across the site is lower.
Is the Salt Bank card a debit card?+
Yes, the card type is a debit card on the Mastercard network. It draws on the account balance rather than extending credit, so there is no borrowing limit to track and nothing to repay on the card itself. Spending is limited to what the account holds.
Who is the Salt Bank account built for?+
The account is aimed at businesses rather than private individuals, so a company account is the intended use. The multi-currency feature supports firms that hold and pay in several currencies. It is not built as a personal current account for everyday household banking.
How do I get help from Salt Bank?+
Support is offered through a help centre, and no phone or live chat channel is listed for urgent card and payment questions. Businesses that need a direct line for a blocked card often prefer a bank with wider support hours, so plan for that when a payment is time sensitive.
Can I hold several currencies in one Salt Bank account?+
Yes, the account is a multi-currency account, so a business can keep funds in different currencies at the same time. That suits a team that bills in several currencies and pays suppliers in others. Pairing it with a 0% conversion fee keeps cross-currency card payments cheap.
Sources
- salt.bank checked September 26, 2026
Backs: Audience, Monthly fee, Support channels
“Pachet Business”
- salt.bank/documents/FISA_DE_INFORMARE_PRIVIND_CONTUL_DE_P... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“Bd. Dimitrie Pompei, nr. 5-7, etaj 6, sector 2, 020335, Bucuresti”
- salt.bank/documents/onboardingPJ.important_to_know.Fees_a... checked September 26, 2026
Backs: Card type, Features, Currency conversion fee, Card network
“COMISIOANE UTILIZARE CARDURI MASTERCARD DEBIT”
- salt.bank/storage/app/efsfiles/media/documents/Document_d... checked September 26, 2026
Backs: Free ATM withdrawals
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.
Related by the facts
Salt Bank
Romanian businesses that hold several currencies and want a fee free conversion